Cheapest Car Insurance Quotes in Ponca City

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Ponca City Car Insurance

^$ 24

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Ponca City

The car insurance rate in Ponca City is $1191 for a six-month policy, which is $12 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $828, making it a popular choice for budget-conscious drivers. Rates in Ponca City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Ponca City

$1191

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Ponca City

1st place: Mercury

At $828 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $870 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $966 for six months, making it the third cheapest auto insurance company in Ponca City.

Ponca City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ponca City, OK is Mercury, offering policies at just $828 for a six-month term. This is followed by USAA, which has an average six-month premium of $870.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1668 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ponca City drivers find the best deals.

Cheap Car Insurance Companies in Ponca City, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$828	$139
USAA	$870	$146
Progressive	$966	$163
State Farm	$1008	$170
Shelter	$1098	$185
American Farmers & Ranchers Mutual	$1224	$208
Farm Bureau	$1290	$215
Oklahoma Farm Bureau	$1296	$220
Farmers	$1368	$230
AFR Group	$1494	$254
Allstate	$1668	$281

Key Takeaways

Way's key takeaways about car insurance in Ponca City

The auto insurance costs in Ponca City fall around $828 for six months.
The cheapest auto insurance company in Ponca City is Mercury.
Teen drivers pay the highest rate in Ponca City at $42 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Ponca City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Ponca City are given below.

Mercury provides the cheapest minimum car insurance coverage in Ponca City. Their Average 6 Month Premium is $144. Allstate is the most expensive at $582 for the same period.

Cheapest Liability Coverage in Ponca City, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$144	$24
American Farmers & Ranchers Mutual	$162	$27
USAA	$192	$32
AFR Group	$228	$38
State Farm	$240	$40
Progressive	$246	$41
Shelter	$294	$49
Oklahoma Farm Bureau	$330	$55
Farm Bureau	$366	$63
Farmers	$540	$91
Allstate	$582	$98

Cheapest Full Coverage Car Insurance in Ponca City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Ponca City is Mercury at $139 per month and $828 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ponca City, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$828	$139
USAA	$870	$146
Progressive	$966	$163
State Farm	$1008	$170
Shelter	$1098	$185
American Farmers & Ranchers Mutual	$1224	$208
Farm Bureau	$1290	$215
Oklahoma Farm Bureau	$1296	$220
Farmers	$1368	$230
AFR Group	$1494	$254
Allstate	$1668	$281

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Average Car Insurance in Ponca City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Ponca City, OK increasing?

Despite maintaining a clean driving record, your car insurance rates in Ponca City, Oklahoma, may be increasing due to several external factors. Oklahoma has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Ponca City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Ponca City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$740
30s	USAA	$574
40s	USAA	$525
50s	USAA	$504
60s	USAA	$515
70s	USAA	$595

Cheapest Car Insurance Rates for Teen Drivers in Ponca City,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Ponca City at $37 per month. At $251 for a six-month premium, American Farmers & Ranchers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AFR Group	$222	$37
Mercury	$228	$38
USAA	$1182	$199
State Farm	$1859	$313
Progressive	$2346	$395
Shelter	$2957	$498
Farm Bureau	$3857	$655
Oklahoma Farm Bureau	$3965	$661
Allstate	$4667	$786
Farmers	$6815	$1147
American Farmers & Ranchers	$251	$42

Teen Car Insurance Rates in OK by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Ponca City.

As young drivers face the highest rates in Ponca City, USAA offers the cheapest auto insurance rates at $740 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Ponca City, Mercury is the cheapest car insurance provider. At $192 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Ponca City is State Farm, offering rates of around $3336 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$192	$32
Oklahoma Farm Bureau	$324	$56
Progressive	$900	$152
USAA	$1157	$197
Farm Bureau	$1296	$216
Shelter	$2076	$352
Allstate	$2304	$384
Farmers	$3312	$564
State Farm	$3336	$556

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Car Insurance Rates with An Accident in Ponca City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Ponca City, OK, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Ponca City

The cheapest car insurance companies after an at-fault accident in Ponca City include American Farmers & Ranchers Mutual and Mercury, offering $156 and $294, respectively. Farmers is an expensive provider with an average six-month premium of $2550.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$156	$26
Mercury	$294	$49
AFR Group	$366	$61
State Farm	$570	$96
USAA	$666	$112
Oklahoma Farm Bureau	$864	$145
Progressive	$953	$161
Farm Bureau	$1410	$239
Shelter	$1440	$242
Allstate	$2322	$391
Farmers	$2550	$429

Ponca City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ponca City OK. For example, the car insurance in Ponca City after a DUI increases to $636 for a six month policy. While the rate increases by $288 for a six-month policy in the case of a speeding ticket.

Ponca City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1200	$200
One comp claim	$1224	$208
One Med/PIP claim	$1224	$204
Two Med/PIP claims	$1236	$210
Not-at-fault accident	$1242	$207
Two comp claims	$1248	$212
Failure to show documents	$1326	$221
Failure to wear a seat belt	$1368	$232
Child safety restraint	$1374	$229
Driving without lights	$1374	$233
Driving with expired registration	$1398	$233
Cell phone violation	$1416	$240
Driving too slowly	$1416	$236
Speeding in school zone	$1416	$240
Texting while driving	$1416	$236
Failure to yield	$1428	$242
Failure to stop at a red light	$1434	$239
Following too closely	$1440	$244
Illegal turn	$1440	$240
Wrong way/wrong lane	$1451	$246
Improper passing	$1457	$243
In 65 MPH zone	$1482	$251
Speeding 11 - 15 MPH over limit	$1488	$248
Speeding 6 - 10 MPH over limit	$1488	$253
Passing school bus	$1494	$249
Speeding 16 - 20 MPH over limit	$1494	$254
Open container	$1518	$253
Speeding 21 - 25 MPH over limit	$1530	$261
At-fault accident - less than $1000	$1536	$256
Operating a vehicle without permission	$1620	$276
At-fault accident - $1000-$2000	$1632	$272
At-fault accident - greater than $2000	$1632	$278
Reckless driving	$1770	$295
Refusal to submit to a chemical test	$1812	$308
DUI	$1836	$306
Racing	$1890	$321
Driving with a suspended license	$1992	$332
Leaving scene of an accident/hit and run	$1992	$338

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Ponca City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Ponca City.

The cheapest car insurance premiums in Ponca City are offered by Mercury at $270 for a six-month policy. However, it can be as expensive as $2310 with companies like Farmers.

Ponca City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$270	$45
Progressive	$684	$115
State Farm	$864	$145
USAA	$1002	$169
Shelter	$1632	$275
Oklahoma Farm Bureau	$1980	$330
Farm Bureau	$2034	$345
Allstate	$2172	$366
Farmers	$2310	$389

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Ponca City are offered by Mercury at $210. However, it can be as expensive as $2765 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ponca City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$210	$35
Oklahoma Farm Bureau	$294	$49
State Farm	$510	$86
Progressive	$714	$120
USAA	$780	$130
Shelter	$1224	$208
Farm Bureau	$1290	$215
Allstate	$1763	$300
Farmers	$2765	$461

Car Insurance Price Trends in Ponca City, Oklahoma

Car insurance rates in Ponca City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Ponca City rose by $224 in December compared to $220 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Ponca City rose to $47 in December, compared to $45 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Ponca City?

The car insurance in Ponca City is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Ponca City?

The cheapest car insurance in Ponca City is $139 per month for full coverage.

How much is car insurance in Ponca City for teenagers?

Car insurance for teenagers costs $222 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Ponca City?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $201 per month to insure your car in Ponca City.

Is car insurance expensive in Ponca City?

Car insurance can be expensive in Ponca City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Ponca City can be affordable.

Cheapest Car Insurance Quotes in Ponca City

Why you can trust Way?

How Much Is Car Insurance in Ponca City

Avg. Car Insurance in Ponca City

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Ponca City

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Ponca City Car Insurance Rates by Company

Cheap Car Insurance Companies in Ponca City, OK

Way's key takeaways about car insurance in Ponca City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ponca City

Cheapest Liability Coverage in Ponca City, OK

Cheapest Full Coverage Car Insurance in Ponca City

Cheapest Full Coverage Car Insurance Quotes in Ponca City, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ponca City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Ponca City, OK increasing?

Car Insurance Premiums by Age in Ponca City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ponca City,OK

If you are in your twenties USAA is the best choice for car insurance in Ponca City.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Ponca City

Cheapest Car Insurance Companies after an At-Fault Accident in Ponca City

Ponca City Car Insurance Rates by Violation

Ponca City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ponca City after a DUI

Ponca City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ponca City after Speeding ticket

Car Insurance Price Trends in Ponca City, Oklahoma

Average Car Insurance Cost in Ponca City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ponca City, OK

Car Insurance Rates by State in the USA (2025 Update)

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